Getting Started with Your New RBC Bank Account

Getting started with your new RBC Bank account

Thank you for choosing RBC Bank® for your cross-border banking Take advantage of your needs. This quick reference guide will help you to get started. Canadian credit history

Manage your accounts anytime, anywhere We’ll access your Canadian credit history and RBC Royal Bank history to help you secure Without a doubt, the most convenient way to make the most of your new account(s) fi nancing in the U.S. is through RBC Bank Online Banking. You can securely view your statements, pay your U.S. bills, access your account information, link your accounts and transfer n Home Financing. RBC Bank is the only national lender dedicated to helping funds instantly between your RBC Bank (U.S.) and your RBC Royal BankTM (Canadian) Canadians purchase real estate in 1 accounts for free. all 50 U.S. states.2

Bank online with confidence n Credit Cards. You can avoid currency Protecting your personal and fi nancial information is our highest priority. exchange fees when you make purchases in the U.S. and earn valuable RBC Rewards® Every time you access your account online, you’re protected with the latest security points redeemable for travel, merchandise, and encryption features. RBC Bank Online Banking is safe and secure. gift cards and cash back.

See for yourself n Personal Lines of Credit. An essential In addition to the the tips in this guide, you’ll fi nd a wealth of advice and information resource for emergency expenses and overdraft protection in the U.S. at rbcbank.com to help you get more from your RBC Bank account(s). Set up your U.S. account A few simple steps is all it takes to get started with Link your Canadian and U.S. accounts your new RBC Bank account. (1) Sign in to RBC Bank Online Banking and click your name as it appears next to the padlock icon at the top of the screen Enroll in RBC Bank Online Banking: (2) Click “Link your RBC Royal Bank and RBC U.S. Banking Accounts” and follow the simple on-screen instructions

Enroll in Automated Telephone Banking:

RBC Bank Automated Telephone Banking is free, quick and convenient. Simply use your phone to access and manage your U.S. and Canadian accounts. With Automated Telephone (1) Go to rbcbank.com and click “Sign in” under “Online access” Banking, you can: (2) Click the “Enroll today” link and follow the simple on-screen instructions. n Activate your RBC Bank debit or credit card n Transfer funds instantly between your U.S. and Canadian accounts

n Get account or credit card balances and much more.

To enroll: (1) Sign in to RBC Bank Online Banking and click your name as it appears next to the padlock icon at the top of the screen (2) Click on “Telephone Banking Preferences” to create a To enroll you will need your RBC Bank Client Identification secure Telephone Banking PIN and authentication word Number and RBC Bank account number, which you will receive via the secure message center within RBC Royal Bank Online If you need help setting up your online account, you can Banking or by phone. call us 24/7 at 1-800 ROYAL® 5-3 (1-800-769-2553) from Canada or the U.S.

(1) Sign in to RBC Bank Online Banking and click your name as it appears next to the padlock icon at the top of the screen (2) Select “Bank Statement Preferences” and “eStatements” Once enrolled, you will receive a monthly email notification that your statement is available to view in RBC Bank Online Banking. Activate your RBC Bank debit and credit cards Other ways to manage your money in the U.S. Having a U.S. based credit card and debit card together helps you n Transfer funds instantly for free between your avoid foreign exchange rates and fees – and the risk that your RBC Bank (U.S.) and your RBC Royal Bank (Canadian) Canadian card won’t be accepted. They’re also faster than writing accounts using RBC Bank Online Banking. checks and much safer than carrying cash. n Pay U.S. bills. You can establish one-time or recurring bill payments to U.S. vendors using your RBC Bank account and ‡ RBC Bank Visa Debit card Online Banking. To avoid late fees, you can set up automatic Your RBC Bank Visa Debit card will arrive in the mail payments up to a year in advance. approximately 7-14 business days after your account is opened. n Have funds deposited directly into your RBC Bank account. For security reasons, the PIN for your debit card will be mailed If you receive regular payments such as payroll, investment or separately. Follow the instructions included with your card dividend income, or government benefits, you can set up direct to activate it. deposit(s) into your account: 1. Log in to RBC Bank Online Banking RBC Bank Visa credit card 2. Click on “Customer Service” If you applied for and were approved for an RBC Bank 3. Select “Account Forms” credit card, you can expect to receive your Credit Card 4. Download and complete the “Direct Deposit Authorization Welcome Kit approximately 7-14 business days after approval. Form” and submit it to applicable payers To activate your card, follow the instructions on the sticker. n U.S. checks. If you ordered checks when you opened your If you do not have a credit card and wish to apply for one – account, you will receive them in 7-14 days. download an application from rbcbank.com or call us at n Deposit checks anywhere, anytime through U.S. 1-800 ROYAL 5-3 (1-800-769-2553) Remote Deposit.5 U.S. Remote Deposit is a convenient, free and secure service that lets you use your smartphone or Did you know? personal computer with a scanner to safely deposit U.S. dollar checks drawn on U.S. banks into your RBC Bank account. To get You earn RBC Rewards points with your RBC Bank credit started, simply call 1-800 ROYAL 5-3 (1-800-769-2553). card. Plus, you can transfer RBC Rewards points earned n Deposit U.S. dollar checks drawn on U.S. banks at many of with your RBC Bank (U.S.) credit card to your Canadian our no-fee ATMs. To find an ATM that takes deposits near you, RBC Rewards account.3 visit our ATM locator at rbcbank.com

n Mail your U.S. dollar checks drawn on U.S. banks with a completed deposit slip to: Get cash while you’re in the U.S. RBC Bank Your U.S. debit card lets you access U.S. dollars through more PO Box 4598 than 7,300 no-fee ATMs4 located in the U.S. To locate a no-fee Carol Stream, IL 60197-9924 U.S. ATM visit rbcbank.com. We provide convenient “bank by mail” envelopes at no charge. To order envelopes or to request additional deposit slips, Did you know? click on “Contact Us” on rbcbank.com to send us a request. You can use your debit card to get cash when you make If you use your own envelope, you will need to include the a purchase at many large U.S. retailers, such as grocery appropriate postage. Please do not mail cash. stores. Simply use your debit card and PIN and select “cash back” at the card terminal. It’s that easy! Note: Some merchants limit the amount of cash you can get at one time, so be sure to ask beforehand. For assistance in accessing or managing your new RBC Bank account, call 1-800 ROYAL 5-3 (1-800-769-2553). Our dedicated bilingual RBC Bank Advisors are ready to help.

1 Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will refl ect the date of transfer. 2 Mortgages are subject to approval, including verifi cation of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit, and fl ood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required. There are closing costs associated with these products. 3 RBC Rewards points will be credited to your Canadian RBC Rewards account within 5 business days of submission of the transfer request. Points transferred from your U.S. RBC Rewards account are converted at 50% value when transferred to your Canadian RBC Rewards account (e.g. 10,000 points from your U.S. RBC Rewards account will be transferred to your Canadian RBC Rewards account as 5,000 points). You may transfer points in increments of 5,000 points, to a maximum of 50,000 points per transaction, and the Canadian RBC Rewards account must be in the same name as the U.S. RBC Rewards account. Once RBC Rewards points are transferred, they (i) must remain in the Canadian RBC Rewards program, (ii) may not be reversed or returned to the U.S. RBC Rewards program, and (iii) are subject to the full terms and conditions of the Canadian RBC Rewards program. Other terms and conditions apply. For complete details, visit the U.S. RBC Rewards Program Rules at www.rbcbank.com/about-rbc-bank/legal-notices-and-terms-of-use/index.html. 4 Standard account fees and transaction limitations will apply. If ATM fees apply, during the process you will be notifi ed of the fee and will be required to accept the fee if you desire to complete the transaction. 5 Deposit limits may apply. See full terms and conditions for details. Member FDIC. ® / ™ Trademark(s) of Royal Bank of Canada. Used under license. RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s). © RBC Bank (Georgia), N.A. 2014

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